So You Think You Can’t Afford Health Insurance?
Don’t be so sure.
If you have searched for health insurance and believe it is too expensive, please let us help you find a solution that meets your needs and fits your budget.
You Can’t Afford NOT to Have Health Insurance!
The worst thing you could do is remain uninsured or not renew your coverage because the premiums feel out of reach.
We will work tirelessly — at no cost to you — to help you find a plan that fits your budget. By adjusting some of the features of your plan, we can adjust your premiums.
For example, we can lower your monthly premium by choosing a policy with a higher deductible.
This is a trade-off, but one we feel is worth it if the other option is to be uninsured. Look at it this way:
What is the known? The monthly premium. When you select a policy, we know for certain you will be writing a monthly check for the stated premium amount.
What is the unknown? Your health care needs for the upcoming year. We don’t know if your health care expenses for the upcoming year will be $500, $5,000 or even $50,000.
But even if a higher deductible is something you may have trouble affording, you are still better off — way better off — having coverage with a high deductible than no coverage at all. With insurance, you are assured that your exposure for covered medical treatment for the policy year will be no greater than the amount of your deductible.
Raising a policy’s deductible is just one example of a way to lower the premium. There are other tweaks we can make to a plan’s options in order to get the premium into a more comfortable range.
Other Benefits of Having Health Insurance
Being insured affords you other concrete, money-saving benefits, regardless of the pricing or coverage options. For example:
- Lower negotiated rates for services. Health insurance companies work with doctors, pharmacies, hospitals, and other medical providers to provide treatment at reduced rates. If you are not insured, not only will you pay for all care out of your own pocket, but you will pay a higher rate for that care.
- Physical exam component covered at 100%. Under the provisions of the Affordable Care Act, physical exams are fully covered. Without health insurance, you lose this important benefit.
- All preventive care covered at 100%. Not only is a physical exam is fully covered, but ALL preventive care is covered at 100%. Click here for details.
Everyone Must Have Health Insurance. It’s the Law.
The Affordable Care Act (ACA) says you must have health insurance. But, we believe the reason for being insured goes beyond the government mandating it.
Having health insurance protects you financially from the impact of major illness or injury.
Click on the green or orange button on the upper right of this page to get started right away. We can help you find the right policy to meet your specific needs.
Our phone is 800-867-0800 and our email is [email protected]
And don’t forget — our services are absolutely FREE!
Please be patient as we manage an extraordinarily high volume of calls and emails.